riskbycounty
FEMA NRI 1.19.0Updated Nov 2023 · Coverage 2014–2023Methodology

Fresno County Disaster Risk

Fresno County, California

FEMA Risk Rating

Relatively High

National Percentile

99th

of 3,144 counties

State Rank

#11

of 58 (1 = highest risk)

Flood Risk

99th

percentile

Hazard Risk Breakdown

Flood

River, coastal, and surface flooding risk

Relatively High

Higher than 99% of US counties

Wildfire

Wildland and wildland-urban interface fire risk

Relatively High

Higher than 98% of US counties

Tornado

Tornado and severe thunderstorm risk

Relatively Low

Higher than 57% of US counties

Earthquake

Seismic activity and ground shaking risk

Relatively High

Higher than 99% of US counties

Risk Overview

About Natural Disaster Risk in Fresno County, California

Fresno faces relatively high national risk

Fresno County's composite risk score of 99.30 places it in the 'Relatively High' category, well above the national average. The county ranks among California's most hazard-exposed areas, experiencing significant exposure across multiple disaster types. This elevated risk profile demands comprehensive disaster preparedness from all residents and businesses.

Fresno ranks among California's highest risks

With a composite score of 99.30 versus California's 88.72 average, Fresno substantially exceeds the state baseline. The county ranks in the top tier of California's 58 counties for overall natural disaster risk. This high ranking reflects consistently elevated hazard exposure across earthquake, flood, and wildfire domains.

Fresno tops neighboring county risk levels

Fresno's 99.30 score significantly exceeds nearby Kern (98.89), Kings (92.43), and Inyo (79.33) counties, making it a regional risk leader. The county's particularly elevated flood (98.70) and wildfire (98.44) scores distinguish it from neighboring agricultural and foothill communities. Among its peers, Fresno stands out for consistently high exposure across multiple hazard types.

Earthquake, flood, and wildfire converge

Fresno's earthquake risk reaches 99.24, flood risk scores 98.70, and wildfire risk hits 98.44—creating a trifecta of major hazards. Tornado risk, at 57.12, also substantially exceeds most California counties, adding another dimension to seasonal threats. This convergence of multiple extreme risks makes Fresno one of the state's most hazard-exposed counties.

Triple coverage essential for Fresno homes

Fresno residents must secure earthquake, flood, and wildfire insurance simultaneously—standard homeowners policies exclude all three. Given the county's near-maximum scores for each hazard, these separate policies represent essential protection, not optional extras. Reviewing and updating coverage annually ensures your home and possessions remain protected against Fresno's multiple, convergent hazards.

Source: FEMA National Risk Index · Narrative reviewed by Evan Brooks, Data Editor

Preparedness Guide

What to Prepare for in Fresno County

Top Hazards by Exposure

  1. #1
    EarthquakePrepare
    99th percentile
  2. #2
    FloodPrepare
    99th percentile
  3. #3
    WildfirePrepare
    98th percentile

Source: FEMA National Risk Index v1.19.0 · Percentiles are national (3,144 counties)

Risk Advisory: Fresno County

Risk Verdict

Natural hazard exposure in Fresno County is notably high, placing it at the 99th percentile among all U.S. counties. Fresno County's elevated composite score reflects cumulative multi-hazard exposure; households should prepare for the county's two or three primary hazard types.

Hazard Breakdown

Earthquake risk is Fresno County's dominant natural hazard, ranked at the 99th percentile nationally under FEMA's National Risk Index. Flood ranks second at the 99th percentile nationally. Additional tracked hazards include wildfire (98th percentile), tornado (57th percentile).

Preparedness Context

At the 99th percentile nationally for earthquake risk, Fresno County is in a zone where a post-earthquake communications plan matters almost as much as pre-earthquake structural preparation — phone networks are typically congested for hours after a significant event. The county's flood risk at the 99th percentile nationally is a seasonal consideration alongside the year-round earthquake threat, requiring awareness of both hazard types. For Fresno County households, the three highest-impact earthquake preparedness actions are: (1) anchor heavy furniture and water heaters, (2) store three days of water at one gallon per person per day, and (3) identify a family reunification plan for the post-quake communication blackout period.

Regional Context

A composite score 10.6 points above the California state average puts Fresno County in a higher-risk category than most counties in the state.

Is your household prepared for Fresno County's hazards?

Review FEMA's county-specific preparedness checklists and emergency planning guides.

FEMA Ready Guide →

Frequently Asked Questions

What is the natural disaster risk in Fresno County, CA?
Fresno County has a FEMA National Risk Index rating of Relatively High, placing it in the 99th percentile nationally out of 3,144 counties. This composite score reflects the county's overall exposure to natural hazards including floods, wildfires, tornadoes, earthquakes, and hurricanes, weighted by expected annual loss and social vulnerability.
What types of natural hazards affect Fresno County?
Fresno County is evaluated for five major natural hazard types: earthquake (99th percentile), flooding (99th percentile), wildfire (98th percentile), tornado (57th percentile). The highest-risk hazard is earthquake at the 99th percentile nationally. These scores are derived from FEMA's National Risk Index, which analyzes expected annual loss, social vulnerability, and community resilience for each hazard type.
How does Fresno County risk compare to the California average?
Fresno County's composite risk percentile is 99th, compared to the California state average of 89th percentile. The state's overall risk rating is Relatively Moderate. This means Fresno County faces higher natural disaster risk than the typical county in California.
Is Fresno County at risk for earthquake?
Yes, Fresno County's earthquake risk is at the 99th percentile nationally. This places it in the top quartile for this hazard type. For flooding specifically, Fresno County is at the 99th percentile.
How is natural disaster risk measured?
FEMA's National Risk Index (NRI) calculates risk scores for 18 natural hazard types across all U.S. counties and census tracts. The composite score combines Expected Annual Loss (estimated dollar losses from each hazard), Social Vulnerability (demographic factors affecting disaster impact), and Community Resilience (ability to recover). Percentile scores rank each county against all 3,144 U.S. counties, and risk ratings range from Very Low to Very High.
Why is Fresno County higher risk than average?
Fresno County's composite risk score of 99th percentile is above the California state average of 89th percentile. This elevated risk is driven by earthquake exposure (99th percentile), along with flooding and wildfire and tornado risk. Geographic location, terrain, climate patterns, and proximity to flood zones or fault lines all influence a county's risk profile.
By Evan Brooks, Data EditorUpdated Reviewed by Evan Brooks, Data Editor

Data Source

Risk data sourced from the FEMA National Risk Index (NRI). Risk scores are relative rankings (0–100) across all US counties — not absolute risk measures. Higher scores indicate higher relative risk compared to other counties.

Disclaimer: This data is informational only. It is not financial, insurance, or legal advice. Always consult a qualified professional before making insurance or real estate decisions.